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Types of small business cover with Zest Insurance
offers insurance that has been designed with small businesses in mind. Search for your business type below and we’ll show you the coverage options available.
Search for your business type to see recommended cover:
Types of cover with Zest insurance
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Zest Insurance can provide the following types of cover for your
business name
business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Cover Name
Cover Name
Cover Name
Customise your quote to include your choice of insurance cover options.
Search for your Business or Occupation to see your tailored cover.
What types of insurance does Zest Insurance provide?
Cyber Liability
Technology is a vital part of all our lives, including your business. Cyber Liability insurance helps to protect you from financial losses due to cyberattacks or data breaches.
Professional Indemnity
Get protection against potential claims and disputes that could lead to expensive and time-consuming litigation.
Public and Products Liability
Enjoy peace of mind and financial security in case of unexpected accidents or incidents involving customers, suppliers, or the public.
Business Contents
Business Contents insurance can help you to protect the physical items owned by your business, from laptops and mobile phones, through to office furniture and more.
Business Contents insurance
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What is Business Contents insurance?
Why do you need Business Contents insurance?
Business Contents insurance helps to cover against financial losses from unexpected events like fire or natural disasters. This coverage ensures that essential items such as equipment, furniture, and inventory are safeguarded, minimising disruptions and allowing for quick recovery.
Without it, the cost of replacing lost or destroyed contents could be financially crippling for a small business. And of course, knowing you have suitable insurance in place enables you to focus on operating and growing your business, rather than worry about the impact of a potential loss.
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Choose which cover you want, according to your business needs.
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Key features of Business Contents insurance from Zest Insurance
Our Business Contents insurance includes coverage such as*:
Loss, destruction or damage to contents
Loss, destruction or damage to contents as per policy terms and conditions.
Fire brigade charges and extinguishing expenses
Statutory charges payable to a fire brigade for attendance at a fire or chemical emergency involving contents, and for the cost of refilling your firefighting appliances used in putting out a fire.
Expediting costs and temporary repairs
Covers the necessary and reasonable cost of making temporary repairs to, and expediting the repair, reinstatement or replacement of contents, following damage.
Directors’ and employees’ personal effects
Cover for damage to the personal property of directors, partners, employees and visitors of your business.
Environmental improvements
Covers additional costs incurred solely to minimise potential harm to the environment utilising the latest available technology in the rebuilding, replacement, repair or restoration of Contents.
* Please refer to the Zest Insurance policy documentation for full details of cover!
Beyond insurance: smarter ways to cover your business contents
Having your Business Contents insurance sorted is of importance, but did you know there are other effective strategies to help you maintain and preserve your business contents? Learn more in this Zest Insurance article:
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of damage to your business contents
Here are some examples of potential Business Contents claims that illustrate how easily incidents can impact small businesses**:
Bookkeeper
Some of your contents are lost in a building fire, caused by the restaurant that operates next door to your premises. Your policy helps you to replace them to get your operation back up and running.
Communications agency
A burst pipe causes damage to your office contents and fittings, including the carpet. Your policy covers the damage.
Management Consultant
You arrive at your office on Monday morning to find your window has been broken and several items have been stolen, including your printer and scanner and the camera set-up you use for video calls. Your policy pays for the replacement of the stolen items and the repair or replacement of the glass.
Bookkeeper
Some of your contents are lost in a building fire, caused by the restaurant that operates next door to your premises. Your policy helps you replace them to get your operation back up and running.
Communications agency
A burst pipe causes damage to your office contents and fittings, including the carpet. Your policy covers the damage.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Business Contents insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
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Business Theft insurance
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What is Business Theft insurance?
Business Theft insurance pays for loss or damage caused by theft, or attempted theft, including (but not limited to) forcible entry into your building, a person being unlawfully concealed at the insured location, an armed hold up, assault or violent act, or visible entry into any locked cabinet, counter or showcase. Extensions are also provided which cover employee dishonesty, illegal EFTs from your bank account, and more.
Why do you need Business Theft insurance?
It also covers losses due to dishonest employees, ensuring the business isn’t financially burdened by internal theft.
Business Theft insurance helps the business recover quickly, reducing downtime and enabling continued operations after a theft. In cases where theft involves breaking and entering, theft insurance can also cover repair costs for damaged property.
Having Business Theft insurance helps to ensure your business is insured against potential theft-related losses, allowing you to focus your time and energy on growing your business.
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Key features of Business Theft insurance from Zest Insurance:
As well as to paying for loss or damage up to the applicable sums insured, our Business Theft insurance offers additional cover including (but not limited to)*:
Death Benefit
Paid to the estate of any person who suffers injury while protecting insured property and subsequently passes away from those injuries within 12 months.
Removal of debris and security
Data and record reproduction costs
Employee Dishonesty
Loss of insured property resulting from crime committed by an Employee acting alone or in collusion with others.
Illegal EFTs and Corporate Cards
Financial loss sustained from:
Locks or Electronic Security Systems
Costs relating to the necessary replacement or adjustment of locks or electronic security systems at the insured location following theft or accidental loss of keys or access cards.
* Please refer to the Zest Insurance policy documentation for full details of cover!
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact theft could have on your business
Here are some examples of potential Business Theft insurance claims that illustrate how easily theft can impact small businesses**:
Marketing Consultant
Following a break in which appeared to focus on the theft of digital camera equipment from the agency studio, the Managing Director receives a call from her bank. Suspicious transactions have occurred, and it’s found that the company card usually reserved for paying utilities bills has been stolen, with the thieves making a range of high value, online purchases.
Bookkeeper
A bookkeeper’s office premises are broken into and the thieves unsuccessful attempt to break into the safe, damaging it in the process. They steal a petty cash box, two laptops and destroy many paper-based client records saved in a series of filing cabinets.
IT Consultant
After breaking into the office of an IT Consultant and stealing a range of IT equipment, the thieves leave the kitchen tap running. It’s a long weekend and the break in is not discovered for three days, leading to a hefty water bill.
Marketing Agency
Following a break in which appeared to focus on the theft of digital camera equipment from the agency studio, the Managing Director receives a call from her bank. Suspicious transactions have occurred, and it’s found that the company card usually reserved for paying utilities bills has been stolen, with the thieves making a range of high value, online purchases.
Bookkeeper
A bookkeeper’s office premises are broken into and the thieves unsuccessful attempt to break into the safe, damaging it in the process. They steal a petty cash box, two laptops and destroy many paper-based client records saved in a series of filing cabinets.
IT Consultant
After breaking into the office of an IT Consultant and stealing a range of IT equipment, the thieves leave the kitchen tap running. It’s a long weekend and the break in is not discovered for three days, leading to a hefty water bill.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Theft insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
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Search for your business or occupation to view relevant Zest Insurance cover.
Cyber Liability insurance
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What is Cyber Liability insurance?
Cyber Liability insurance is intended to cover financial losses (first party and third party) and legal costs from cyberattacks, data breaches, and other technology-related risks, covering businesses from losses resulting from cyber threats. Cyber policies can include cover for loss-mitigation expenses through to third-party damages and even ransom payments that threat actors may demand for your data.
Why do you need Cyber Liability insurance?
Consider the sensitive data that your business holds, then think for a moment about how your business would be affected if you experienced a data breach, virus or other cyberattack.
Cyber Liability insurance can help to cover your business for certain financial losses and expenses if this were to occur.
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Choose which cover you want, according to your business needs.
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Key features of Cyber Liability insurance from Zest Insurance
Our Cyber Liability insurance includes coverage such as*:
IT security and forensics costs
Covers investigating and resolving cyber incidents such as identifying breaches and remediating the cause.
This may also include hiring cyber security experts or computer forensics experts, and implementing security measures to restore and protect systems.
System damage and rectification cost
Encompasses expenses for repairing or replacing IT systems and compromised data due to a cyber incident, (e.g. software and hardware, recovering lost data, and ensuring system functionality).
These costs are vital for your business to swiftly resume operations and minimise downtime post-cyberattack or technical failure.
System business interruption
Payment for income lost during system downtime which restricts normal business activities. Cover includes lost revenue, ongoing expenses despite the interruption, and potential extra costs to restore operations.
This ensures financial recovery for your business during periods of halted or slowed operations due to cyber events.
Consequential reputational harm
Cover which compensates for financial losses stemming from decreased customer trust, lower sales, and lasting damage to the brand image of your business.
May cover expenses for public relations efforts to restore reputation and compensate for lost business opportunities and clients deterred by the incident.
Cyber extortion costs
This is for expenses dealing with threats like ransomware attacks. Coverage includes payments to end threats, negotiation costs, and professional services expenses.
It may cover investigating the incident and implementing preventive measures, ensuring effective handling and recovery from such threats.
Incident Response team
Additionally, Chubb has its own Cyber Security Incident Response team that can assist you as you become aware of an attack or breach.
* Please refer to the Zest Insurance policy documentation, underwritten by Chubb Insurance Australia Limited, for full details of cover!
First-party insurance covers the costs associated with responding to a cyber incident and the financial impact on your business for claims covered by the policy.
Third party insurance provides cover for the financial loss of others if they make a claim against your business for damages due to your cyber event which is covered by the policy.
Insure against the growing threat of cyberattacks and technology-related incidents.
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of a cyber incident
Here are some examples of potential Cyber Liability claims that illustrate how easily cyber incidents can impact small businesses**:
Bookkeeper
Ransomware attack encrypting critical financial data, including client records and payroll information, leading to business interruption and financial losses.
IT Consultant
An IT consultant’s own systems are hacked, providing the threat actors an easy gateway into the systems of the consultant’s clients too.
Casting Agency Service
Unauthorised access to databases containing personal information of models and actors, leading to potential identity theft or unauthorised use of personal data.
Conference and Event Organiser
Breach of customer payment information during online registration for events, leading to financial losses and reputational damage.
Disabilities Services Provider
Data breach exposing sensitive information of clients with disabilities, leading to regulatory fines and lawsuits for violations of privacy laws.
Marketing agency
Cyberattack targeting the organisation's website, resulting in website defacement, data theft, and disruption of online services through the agency’s digital client portal
Consumer Credit Reporting Service
Cyberattack targeting credit reporting databases, resulting in unauthorised access to consumer credit information and potential identity theft.
Bookkeeper
Ransomware attack encrypting critical financial data, including client records and payroll information, leading to business interruption and financial losses.
Casting Agency Service
Unauthorised access to databases containing personal information of models and actors, leading to potential identity theft or unauthorised use of personal data.
Disabilities Services Provider
Data breach exposing sensitive information of clients with disabilities, leading to regulatory fines and lawsuits for violations of privacy laws.
Consumer Credit Reporting Service
Cyberattack targeting credit reporting databases, resulting in unauthorised access to consumer credit information and potential identity theft.
IT Consultant
An IT consultant’s own systems are hacked, providing the threat actors an easy gateway into the systems of the consultant’s clients too.
Conference and Event Organiser
Breach of customer payment information during online registration for events, leading to financial losses and reputational damage.
Marketing Consultant
Cyberattack targeting the organisation's website, resulting in website defacement, data theft, and disruption of online services through the agency’s digital client portal
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Cyber Liability insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
Explore insurance for your small business
Search for your business or occupation to view relevant Zest Insurance cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Glass insurance
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What is Glass insurance?
Glass insurance for small businesses covers the cost of repairing or replacing damaged windows, glass doors, and storefront displays, in the event of accidental breakage, vandalism, or weather-related damage to your insured glass.
Why do you need Glass insurance?
In case of vandalism, Glass insurance can help to facilitate timely replacement or repair, helping maintain security and appearance.
Some landlords required proof of Glass cover as part of a lease agreement.
And of course, a well-maintained office or storefront is crucial for attracting customers. Glass insurance helps preserve a business's curb appeal after damage.
Conditions and limits do apply, and some glass is not covered, such as glass that is stock, glass that is part of a glasshouse / conservatory, glass on electronic equipment (e.g. radio, television screen, computer screen) or glass item normally carried by hand (vases, glassware, etc).
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Choose which cover you want, according to your business needs.
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Key features of Glass insurance from Zest Insurance:
Our Glass insurance offering includes coverage such as*:
Quality of replacement glass
Ensures replacement glass of a similar type and quality to your glass that is damaged.
Temporary repairs and others costs
Including (but not limited to):
Expediting expenses
Covers any reasonable costs for after-hours service by repairers, express delivery and overtime rates, and the reasonable additional costs incurred to comply with current building regulations relevant to the damage.
Advertising signs
Replacement or repair of advertising or identification signs following damage.
Damaged stock or contents
Replacement or repair of damaged stock or contents as a result of damage to glass.
* Please refer to the Zest Insurance policy documentation for full details of cover!
Importantly, Glass insurance from Zest Insurance can be purchased in conjunction with other coverage (such as contents insurance).
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider how a glass related incident could impact your business**
Bookkeeper
Located in a retail store facing onto a suburban carpark, the bookkeeper’s glass storefront window is damaged when teenagers throw a shopping trolley through the window at nighttime. The business owner calls in professional help to secure the shopfront with temporary boards until the glass can be properly replaced the following day.
Communications Agency
A glass conference room door is shattered when a large whiteboard being wheeled by an employee accidentally topples into it. The glass needs replacing and the name of the room must be etched on the new door to match others in the office.
Bookkeeper
Located in a retail store facing onto a suburban carpark, the bookkeeper’s glass storefront window is damaged when teenagers throw a shopping trolley through the window at nighttime. The business owner calls in professional help to secure the shopfront with temporary boards until the glass can be properly replaced the following day.
Management Consultant
A management consultant with a small, standalone home office on their property experiences a frustrating and inconvenient surprise when a large tree branch smashes through the frosted glass side window of their office in a storm.
Communications Agency
A glass conference room door is shattered when a large whiteboard being wheeled by an employee accidentally topples into it. The glass needs replacing and the name of the room must be etched on the new door to match others in the office.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Glass insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
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Search for your business or occupation to view relevant Zest Insurance cover.
Professional Indemnity insurance
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What is Professional Indemnity insurance?
Professional Indemnity insurance is designed to cover claims arising from professional mistakes, negligence, or inadequate work provided to clients or customers as a result of your professional services or advice.
This could include anything from errors in data entry, incorrect advice given to clients, or failure to deliver services to the professional standards.
Why do you need Professional Indemnity insurance?
Holding Professional Indemnity insurance is a smart business choice for small businesses that provide professional services, because human errors do happen! Professional Indemnity insurance provides you with a level of coverage that may assist you if a claim is made against you or you are required to pay or defend a professional negligence claim.
Additionally, Professional Indemnity insurance is a registration requirement for some occupations, in order to comply with legislative requirements. In Australia, this includes such occupations as bookkeepers (including registered BAS agents), accountants, lawyers, engineers and more.
It’s also a requirement of many service-based industry associations and may be expected by clients wishing to engage your services. Some industry standards or specific projects may also mandate it.
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Key features of Professional Indemnity insurance from Zest Insurance
Our Professional Indemnity insurance is relevant for small businesses that provide professional services and includes coverage for actions such as*:
Professional negligence
Negligent advice or misleading information that may have been inadvertently provided.
Misrepresentation
Claims arising from unintentionally false or unintentionally misleading statements made during the course of professional duties.
Accidental breaches of confidentiality
Accidental unauthorised disclosure of confidential client information.
Defamation
Unintentional libel or slander committed in the course of professional work.
Intellectual property infringement
Accidental infringement of copyright, trademark, or other intellectual property rights during professional activities.
Loss of documents/data belonging to clients
Loss, damage, or theft of important documents or electronic data belonging to clients.
* Please refer to the Zest Insurance policy documentation, underwritten by Chubb Insurance Australia Limited, for full details of cover!
Unpacking the essentials of Professional Indemnity insurance
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of making a professional error
Here are some examples of potential Professional Indemnity claims that illustrate how easily incidents can impact small businesses**:
Bookkeepers
Making errors in financial records that result in financial losses for clients.
Accounts Clerk
Providing incorrect financial advice that results in financial loss for a client, such as misreporting income or expenses.
Business Consultant
Providing recommendations or advice that leads to negative outcomes for a client's business, such as implementing ineffective strategies or misinterpreting market trends.
Payroll Clerk
Making errors in processing payroll, such as incorrect tax withholding or payment calculations, leading to financial losses for employees or regulatory issues.
Bookkeepers
Making errors in financial records that result in tax penalties or financial losses for clients.
Accounts Clerk
Providing incorrect financial advice that results in financial loss for a client, such as misreporting income or expenses.
Business Consultants
Providing recommendations or advice that leads to negative outcomes for a client's business, such as implementing ineffective strategies or misinterpreting market trends.
Payroll Clerk
Making errors in processing payroll, such as incorrect tax withholding or payment calculations, leading to financial losses for employees or regulatory issues.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Professional Indemnity insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
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Public and Product Liability insurance
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What is Public and Product Liability (PPL) insurance?
Public and Product Liability (PPL) insurance is designed to cover businesses against claims for personal injury or property damage to third parties caused by your business activities. For covered claims, it is intended to support legal costs and compensation expenses.
Why do you need Public and Product Liability insurance?
Public and Product Liability insurance is an important business cover for small businesses in Australia. Claims for third party damages to people and property can be crippling if you’re found to be negligent. Public and Product Liability insurance offers a level of coverage for the legal costs associated expenses and compensation you may become liable for.
Many contracts you enter into with a client, and even your commercial lease, may include a requirement for Public and Product Liability insurance.
Why? Because your clients or landlord need reassurance that cover is in place should property be damaged or a person injured.
Third party claims can be costly, and damages can be far-reaching, making Public and Product Liability insurance incredibly important for all businesses. You may damage a client’s property when visiting, or a client may lodge a ‘slip and fall’ claim after a visit to your office. If you’re found to be negligent, your PPL policy can offer insurance coverage.
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Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Key features of Public and Product Liability insurance from Zest Insurance
Public and Product Liability insurance from Zest Insurance includes coverage such as*:
Bodily injury claims
Compensation for bodily injury to third parties (such as clients or visitors).
Property damage
Costs incurred due to damage to the property of others.
Legal expenses
Legal fees and court costs associated with personal injury claims or property damage claims covered by the policy.
Medical costs
Reimbursement for medical treatment of injured parties.
Product liability
Claims arising from your products causing harm.
Our Public and Product Liability insurance policies allow you to select the level of cover for your business, providing the flexibility based on your business's potential risks and liabilities, or if a client or customer advises they require you to hold a particular level of cover.
* Please refer to the Zest Insurance policy documentation for full details of cover!
What to consider when deciding on Public and Product Liability insurance
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of an incident relating to public and product liability
Here are some examples of potential PPL claims that illustrate how easily incidents can impact small businesses**:
Employment agency
A candidate visiting your office for an interview trips on a loose carpet edge and suffers injuries, leading to a claim for medical costs and damages.
Bookkeeper
A delivery person trips and falls over boxes of client files left unattended in your office, leading to injuries and a claim for compensation.
Marketing agency
During a seminar organised by your agency and facilitated in your office, a participant slips on a wet floor near the refreshment area and sustains injuries, resulting in a claim for medical expenses and damages.
Employment agency
Ransomware attack encrypting critical financial data, including client records and payroll information, leading to business interruption and financial losses.
Book Publisher
Unauthorised access to databases containing personal information of models and actors, leading to potential identity theft or unauthorised use of personal data.
Bookkeeper
Data breach exposing sensitive information of clients with disabilities, leading to regulatory fines and lawsuits for violations of privacy laws.
Marketing Consultant
Cyberattack targeting credit reporting databases, resulting in unauthorised access to consumer credit information and potential identity theft.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a PPL insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
Explore insurance for your small business
Search for your business or occupation to view relevant Zest Insurance cover.
Cyber Liability
Technology is a vital part of all our lives, including your business. Cyber Liability insurance helps to protect you from financial losses due to cyberattacks or data breaches.
Professional Indemnity
Get protection against potential claims and disputes that could lead to expensive and time-consuming litigation.
Explore insurance for your small business
Search for your business or occupation to view relevant Zest Insurance cover.